Buy cheap stolen goods?, urgent 4.9% savings fix, State Pension error, multi-switch banks to gain £1,000s?, £200 beauty £45

Plus... Easy FREE £40 Uber, make £100s stoozing, £99 specs/sunnies £27, grab no-fee 0% card

                                                           

14 July 2026 | View in browser

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THE TOP TIPS IN THIS EMAIL → Urgent. Top 4.9% savings fix unlikely to be around long... - Top fixed-rate savings/ISAs - Top easy-access savings/ISAs - Top ways to boost interest further → State Pension error! 7 crucial checks → Make £100s manipulating credit cards → Pssst! Wanna buy cheap stolen goods? → Ends Wed. FREE £200 cash → Plus... time to get legal 'burner' account? → £45 for 14-item £201 Boots beauty box → New. Easy FREE £40 Uber Eats/Rides → Scam ad news. 'Too late, is it too little?' → Ends. Grab top NO-FEE debt shift card → £99 prescription specs or sunnies £27 → Time to overpay mortgage with savings? → Will Govt backtrack on student loan hike? → FREE Amazon warehouse tours → 'Before you fly this summer, watch this!' → 'We're saving £1,300 on pre-existing medical travel insurance' → New buy now, pay later protections → Turn your home into a jungle for cheap? → This week's best buys: 35GB Sim £3/mth, 150Mb fibre £19/mth & more → Money Moral Dilemma: Should my partner contribute to the mortgage? → Quick deals: 5p/litre off fuel, unlimited pizza & more

Urgent. Unlikely to be around much longer...  Top 4.9% 1yr FIXED savings, the rate is guaranteed and unusually your money isn't locked in! Plus more ways to boost your savings interest It's the refrain we hear constantly... "Why can't I just get a savings account where I know the rate will stay high?" You can. It's called a fix, where the rate's guaranteed for a time. The cost of that guarantee is normally your money's locked away for that period and you can't withdraw it. Yet not right now...  All accounts below have the full UK £120,000 per person, per institution savings safety protection. All interest rates listed are AER. Top fixed-rate savings Top 1yr fix 4.9% with access. Ending soon? The Marcus (part of Goldman Sachs) 4.9%1yr fix* (min £1) is the highest-paying 1yr fix right now - the next best is a decent whack less at 4.76%. Unusually, Marcus lets you close the account mid-term to withdraw your money, though it'll deduct 90 days' interest if you do (close it within the first 90 days and you lose all interest paid to that point).  This is a big advantage for anyone put off fixing as there's a small risk you might need the money in that time - this gives you a 'get-out-of-jail-free' card. As for how it compares to other fixes, see our full list of top fixed savings, but in brief... 1yr fix: Marcus 4.9%* (min £1), OakNorth Bank 4.76% (min £1). 2yr fix: GB Bank 4.82% (min £1k), though West Brom BS is 4.9%, but that's for 18mths (min £1k) 3+yr fixes: 3yrs Afin Bank 4.85%* (min £1k), 5yrs Market Harborough BS 4.92% (min £5k). Why do we say it may end? It's already been around a few weeks, and with fixes like this, providers usually want to bring in a certain number of accounts. Our best guess is it's close to that, so there's a real chance it could be pulled imminently. Cash ISA fixes let you withdraw too. While what Marcus is doing is rare for normal savings fixes, it's not unusual for the top tax-free fixed cash ISAs. ISA rules say they must always allow you to withdraw without notice - though they can, and all do, charge an interest penalty. Yet fixed cash ISA rates are lower than normal savings, so they're only worth it if you've not used your £20,000 ISA allowance this year and would likely pay tax on interest from normal savings. 1yr ISAs: Coventry BS 4.6% (min £1, 90-day withdrawal penalty), Tembo 4.6% (min £500, 90-day penalty). 2yr ISAs: Marsden 4.65% (min £5k, 240-day penalty), Tandem 4.62% (min £1, 180-day penalty). 3yr+ ISAs: 3yrs Tandem 4.63% (min £1, 270-day penalty), 5yrs Marsden 4.71% AER (min £5k, 360-day penalty). Also remember you always have a right to transfer a cash ISA to a new provider. When these mature, you'll likely be moved to a poorly-paying easy-access account, so diarise to do a transfer then to up the rate. See how to do a cash ISA transfer. How does tax on savings work? It's easiest to just watch Martin's savings tax explainer... How long should you fix for? Fixed rates normally get stronger the longer you fix. That's not really the case right now, which shows the market's long-term view is interest rates will be pretty stable. So if you want to save, you can comfortably lock money away, and you strongly value certainty, then fixing - and fixing for longer - looks a decent option at the moment.  But remember, if you go for a longer fix and rates rise in the meantime, your money's locked away, so you can't move it to up the rate (except in a long fix cash ISA). Yet don't think you need to pick just one fix length. You can hedge your bets with several fixes of different lengths.  If you can lock away money for a longer period, say 5+yrs, and you've already got a cash emergency fund, savings may not be right for you. Give Martin's beginner's guide to investing a read - you're in the sweet spot for that, and done right, it could be far more lucrative.  Top easy-access (variable) savings These are the bog-standard accounts you can put money in and take it out whenever you like. If you've got one, check what it earns - if it's less than 4%, ditch and switch. All rates are variable, so they'll likely move with UK base rate changes, and with providers' whims, so you need to monitor the rate here, unlike with fixes. Top for bigger amounts (newbies only) 4.5%: Chase (part of JPMorgan) 4.5%* (min £1, max £3m) unlimited withdrawals. The rate includes a 1yr 2.25% newbies' bonus. Just open its free current account (you needn't switch or use it, and only requires an ID, not a full credit check). Just launched: Saga also pays 4.5%* (min £1, max £1m). The rate includes a 1yr 1.64% newbies' bonus. You don't have to open a current account and any age can get it.  Top short-term & cashback (newbies only) 5%: Revolut pays 5% + £25* (min £1, max £25,000) to newbies, but it'll drop to 2.9% on 4 Dec so it's pretty short term. Again, you'll need to open its free, easy-to-open current account, and if you go via our link, you'll get £25 cashback for spending £20+ on the card in the first month.  Top for smaller amounts 5%: Cahoot's 5% (part of Santander) Sunny Day Saver (min £1, max £3,000) lasts a year Top easy access cash ISA: Trading 212 4.51%* (min £1, max £20k/yr) at 3.6% plus a 0.91% newbie bonus. Far more options in Top savings and Top Cash ISAs. Top ways to further boost interest Some specialised options pay even more... - 50% bonus for many on Universal Credit. See Help to Save. - 25% bonus for first-time buyers aged 18 to 39. See Top Lifetime ISAs. - Earn up to 8% if you can save monthly. See Regular savings. - Prefer to invest? Over the long run, done right, investing usually beats savings - see Martin's beginner's guide to investing.

 

 

DON'T believe the fake 'Martin Lewis' or 'MSE' ads Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

 

 

 

7 urgent checks to ensure you won't miss out - or don't already - on possibly £10,000s of State Pension New. Self-employed State Pension error, 800,000 may be underpaid This week we've just had news of yet another State Pension error, this one affecting 100,000s who became self-employed since 2015. The whole State Pension system is incredibly complex, which means even those in charge of it can make huge errors, miss payments and more. Some mistakes are automatically corrected; with others, it's don't ask, don't get. So you need to know to ask. This is big money, we've had some tell us of £50,000+ successes. Before the checks, an explainer... Martin's simple State Pension explainer...  The State Pension is paid once you hit State Pension age - currently just over 66, rising to 67 (check your State Pension age) - but only if you have enough qualifying National Insurance (NI) years. Think of each NI year as a token you must gain, either by earning enough from work, caring for your children, or being on certain benefits (see Can you claim free NI years?).  On the current system, you need at least 10 tokens to get any State Pension at all, and very roughly 35 to get the full new State Pension. There are actually two State Pensions... - New one: For those who hit State Pension age after 5 Apr 2016. Its full current amount is £241.30/wk (£12,548/yr).  - Old one: For those who are older. Its full current amount is £184.90/wk (£9,615/yr), though extra bits such as the Additional State Pension can lift that higher.  Many think the State Pension is tax-free. It isn't, it's taxable income. It's just that, by itself, for most it has long been less than the personal allowance (the amount you can earn tax-free a year). Yet as the pension has risen and the allowance frozen at £12,570/yr, the full new State Pension is just £22 less. So many who have even small other earnings will pay 20% tax on any amount above the allowance. PS: If you don't get the full State Pension and have a low income, it's worth checking out Pension Credit, which can top it up. Check if you're on track to get the full State Pension. If you're not yet at State Pension age, check your State Pension forecast on Gov.uk to see if you're on track for the maximum £241.30/wk. Check if you have National Insurance (NI) gaps. Use Gov.uk's check your NI record tool. The system is binary: either you have a 'full year' which counts, or a 'year not full' which doesn't. Even if some years aren't full, if your forecast shows you're on track to get (or are currently getting) the full State Pension, there's usually little issue.  If not, and you have gaps in the last six years, you can buy those years. First, check below whether you can get them for free. Buying years can be hugely lucrative, but it's usually best for those at or approaching State Pension age, when you're unlikely to build up enough NI years naturally. It can also be good value if you only need to pay a small amount to make a partial year count as a full one. See our Should I buy National Insurance years? guide for full help. Took time off work between 1978 & 2010 to look after children or care for someone with a long-term disability?100,000s in this position likely wrongly have NI gaps that reduce their State Pension. Last year the Govt decided to stop writing letters to people about it, leaving the onus on you to proactively check. Our Home Responsibilities Protection guide takes you through it. As Mary emailed Martin in Feb: "I would like to say a HUGE thank you for highlighting Home Responsibilities Protection, I have just been awarded £16,000, this will make a big difference to our lives. I would not have known about this if I hadn't seen your show or read your emails. THANK YOU." New. Have you become self-employed from 2015 to 2024? You could be one of 800,000 with incorrect gaps in your NI record - and if that means you're not on track for the full State Pension, you're at risk of being underpaid £1,000s. This is a brand-new issue that's just come to light this week. If those signing up for self-assessment didn't also tell HMRC you were self-employed using the specific CWF1 form, they may not have paid the right amount of State-Pension-boosting Class 2 NI contributions. Most people were given the right amount, but a significant number weren't. See our full Self-employed missing State Pension briefing for full info. Are you a woman who reached State Pension age before 2016? 100,000s of married, divorced or widowed women (plus a few widowers) were in some cases wrongly paid too little because their pension wasn't properly boosted based on a husband's, ex-husband's or late husband's pension. See our Missing State Pension guide to check. Parents and grandparents, can you claim old NI years for FREE? While NI years are usually auto-added, in some cases they need claiming and can often be back-claimed. We've a full list of free NI years to claim, but a key one is NI credits for childcare. The non-working partner should always be the one to claim Child Benefit as that triggers them getting NI credits, while the working partner gets them anyway though work. If you got this the wrong way around, you can ask to retrospectively transfer it to you. Similar is true if you don't claim it because your partner earns too much - again, that could leave you missing out (though you can't back-claim as far back). Alternatively, if grandparents (or other family members) under State Pension age provided childcare for an under-12, any time since 2011, as the parents/guardians were working, then under the specified adult childcare credit system, the parent can apply to transfer their NI credit to them. As Sharon emailed us: "After hearing about grandparents being able to claim missing years for childcare of grandchildren, my daughter applied for me. I managed to fill my missing 6 years of NI contributions and my pension increased by £50/wk [£2,600/yr]. I also got £3,300 backdated to when the claim was first made. Thank you for bringing it to our attention." Carers, did you miss claiming the credit you were entitled to? Those aged 16 to State Pension age who provide unpaid care - such as washing, cooking, shopping or dressing - for at least 20hrs a week for someone receiving at least one qualifying benefit (including Personal Independence Payment and Disability Living Allowance) are eligible for free NI credits. This applies even if caring for your partner or child. See Carer's Credit for full info, including how to backdate it one tax year. If you do more hours, you may be eligible for Carer's Allowance instead.

 

Pssst! Wanna buy stolen goods on the cheap? Well, nearly - but it's a great headline, you must admit. Police forces sell lost property and seized goods in a host of places, often at bargain prices, especially bikes. See police auctions. Ends 5pm Wed. FREE £200 cash to switch to top-service bank First Direct. New switchers to top-for-service bank First Direct's 1st Account* need to go quick to get a boosted free £200 cash (it's dropping to £175), as well as a top overseas debit card, 7% regular saver and, for many, a £250 0% overdraft. Alternatively, for a bigger upfront payout, there's HSBC's FREE £220*. More options and full eligibility in Top bank accounts. Plus... time to get a legal 'burner' account to make serious money switching? Listen from 30mins in: Eight banks pay switchers £175+ right now - done right, you can do it multiple times, with some making £1,000s. Martin's bank-switching pod (from 30mins) takes you through it & answers your questions. Related: Eight free cash accounts. £45 for 14-item Boots beauty box with £201 of Sol de Janeiro, Benefit, Huda & more. MSE Blagged. It normally costs £55, but we've blagged an extra £10 off. Full info in Beauty box. New. Easy FREE £40 Uber (Rides or Eats) via top rewards credit card. Santander newbies opening its fee-free Santander Rewards credit card can get £40 in Uber Eats/Rides. Just add it to your digital wallet and spend on the (physical or virtual) card 10+ times, no min, in month one (you could just buy single bananas). You're then sent a £20 voucher within 60 days and another 30 days after claiming the first, as long as you've kept the card open. Pay it off in full each month and you're £40 up. You could stop there, but... It's a decent reward card. There's a year's 3% cashback, UK and abroad, on petrol, diesel, train travel, EV charging (not at home), eating out & takeaways (0.25% on other normal spending). After a year, it's 0.25% on most normal spending. It's also a top debit card for spending overseas. Always pay it off IN FULL every month to avoid interest, or the 24.9% rep APR dwarfs the gain. See our Santander Rewards review & how it compares in Credit card rewards. News. 'Too late, is it too little?' Big tech firms to finally be forced to tackle some scam ads... Ofcom has FINALLY launched a consultation on new rules. Full info & Martin's reaction in Scam ads news. Ends Thu. Grab top NO-FEE 0% debt-shifting card to cut existing debt costs before it gets worse. A 0% balance transfer is where you get a new card that pays off debts on existing cards for you, so you owe it instead but interest-free for a set time, meaning more of your repayments clear the actual debt. Most cards charge a fee for this, but Barclaycard's up to 13mths 0% card is the longest fee-free card. Go quick if it's right for you, though, as it's falling to 12mths at 10am on Thu, the second drop on this card in the last month. Golden rules: Repay at least the monthly minimum & clear the card before the 0% ends, or it jumps to 24.9% rep APR interest. Full info & more options in Top balance transfers. £27 prescription specs or sunnies from Barbour, AllSaints, O'Neill & more (normally £99). MSE Blagged. Via SpeckyFourEyes code. Is now the time to overpay my mortgage with savings? | Is bank switching a credit score killer? | How do I find husband's lost pensions? Martin answers these questions from listeners & more in this week's must-listen Martin's Question Time podcast. Do give it a listen, via BBC Sounds | Apple | Spotify etc. Will the Government backtrack on the Plan 2 student loan hike? | Can you make £1,000s switching banks? Plus restaurant workers' secrets, all in Martin's new Big Topics pod. Listen via BBC Sounds | Apple | Spotify etc.

 

 

BLAGGED FOR MSE - £201 of beauty for £45 via Boots code Ends 31 Aug - £99 Barbour, AllSaints etc specs/sunnies for £27 Ends 14 Aug	DID YOU MISS? - Free £3.50 frankfurters, 50% off pizzas & more coupons - Motor finance reclaim payouts delayed again - 'I won more than £3,000 on Pick My Postcode'  - 'MPs have a "moral duty' to overturn planned Student Loan hike' - E.on, EDF and Octopus launch 'low Standing Charge' tariff trials

 

 

Turn the tables on credit card companies You stooze, they lose: Make £100s manipulating your plastic  Stoozing is the art of creating an unneeded debt to make money. In a nutshell, you take out a 0% credit card, then save the money it gives you at high interest. And with savings rates far higher than a few years ago, and 0% cards getting longer again, it's now possible to make £100s, or even £1,000s a year doing this. Martin won't let us mention this without what he calls the MoneySaving poetry from the early days - when former card firm Egg was lending him money at 0%, which he then put in Egg's own high-interest savings account paying 6%! Back then, some even had £80,000+ in their 'stooze pot', making gains of £5,000+ a year. And we're creeping close to those times (do let us know if you've a big stooze pot). As for how to do it, we've a full Stoozing guide, but here's a quick summary... Warning. This takes discipline - it's ONLY for the debt-free, financially savvy. If in doubt, don't! If you're not very financially organised, unsure of how it works, have a poor credit history, don't have financial self-discipline, or have other credit card, overdraft or loan debt, this ISN'T for you. If in doubt, DON'T.  Step 1. Get a long 0% spending card. The key to stoozing is how you get the debt off the credit card into your savings account. There used to be a couple of different ways, but a change in credit card offers now means the most lucrative route by far is via a card you can do new spending on without paying interest. The longer the better. Best is to use our 0% Spending Eligibility Calc which shows which top cards you're most likely to get. The top picks for stoozing at the moment are the following (all link via the eligibility calc): - Longest definite 0% card: M&S 25mths 0% is the longest card on the market where all accepted customers who go via our link get the full advertised 0% length. It also gives you 0.2% back on your spending in M&S points, boosting the gain. - Shorter 0% but £25 boost: HSBC up to 24mths 0% (existing HSBC customer? Use this link) pays you £25 if you spend £500+ on it within 60 days... easy if you're stoozing. It's an 'up to' card, yet if you're pre-approved in our eligibility calc, you'll definitely get the full 24mths (if not, you could be accepted and get 24 or 15mths). More options in top 0% spending cards. Step 2. Do ALL normal spending on the card. Do all your normal spending (and possibly your family's too) on it up to the credit limit - but this isn't a reason to spend more. All you're effectively doing is using the card instead of money in your bank account, so you build up the 0% debt. You still need to make the minimum monthly repayments, and this is a rare occasion where the right tactic is to just pay the minimum. Step 3. Put the unspent money from your bank account in top savings. As you've spent on your credit, not debit, card this should build up a mirror amount of unspent income in your current account. So each month sweep that into the top easy-access savings, which can pay up to 5%. Do it as easy access, as while we've never heard of it happening to a stoozer, technically the card debt can be called in at any time, so you always want the money handy. Step 4. You could stop there or prolong or even increase the stooze... In the MONTH BEFORE THE 0% ENDS, either use the money in savings to clear the 0% debt before any interest is charged, or shift it to a 0% balance transfer (a fee-free one's best to maximise the gains).  Of course, with a decent credit score and careful management, you can do this with more than one card and build your stooze pot, so you're earning more. As Leigh emailed: "I started using MSE in 2009, I've been reading the weekly email every week since. Over the years I've done virtually everything that is suggested on the website. My personal favourite is credit card stoozing, which has saved us £1,000s over the time we've been doing it by persistently holding five-figure sums at 0%. We currently save over £600 every year with just 2 cards. A massive thank you to Martin and the team!" Stoozing golden safety rules. Full info in the Stoozing guide, but in brief: Pay the monthly minimum (for safety, by Direct Debit) and don't bust the credit limit, or you can lose the 0%. Don't use these cards for anything else, such as cash withdrawals or shifting debt. Clear the card or balance-transfer before 0% ends, or the interest jumps to 25%ish rep APR, killing any gain. Do not take risks with the stooze pot, or you could find the manufactured deliberate debt becomes real debt. In credit-score terms, stoozing debt is still a debt, so it impacts your creditworthiness while you have it. The magnitude depends on the size of the debt. If you've an important application such as a mortgage due, bear that in mind.

 

FREE Amazon warehouse tours in the summer hols. Go behind the scenes at these vast hubs to see boxes packed and robots whizzing around. At six depots in Eng. One of 25+ free (or cheap) ways to entertain kids. Martin: 'Before you fly this summer, watch this!' Watch Martin's 2min flight rights vid on his YouTube. 'We're saving £1,300+ on pre-existing medical issue travel insurance thanks to your tip.' Success of the week. We launched our Compare+ Travel Insurance tool recently and many successes have since been emailed in. Julia may be one of them: "My husband and I are 71, and he has a number of pre-existing medical conditions, including a stroke. Our worldwide policy renewal came through at a staggering £1,845. We then looked at your suggestion of a packaged bank account that includes travel insurance. Wow! By opening a new account, monthly payment of £18 (£216/yr), and then adding pre-existing medical conditions (£257/yr), the total cost is £473 - saving us a whopping £1,372! And we now have mobile phone and breakdown cover. Thank you!" If we've helped you save or reclaim (on anything), please tell us about it. Buy now, pay later user? You'll get new protections from tomorrow (Wed). Includes access to the Financial Ombudsman if something goes wrong. See BNPL changes. 'I turned my home into a jungle on the cheap - can you do it too?' MSE Laura shares her cost-cutting indoor gardening tricks: turn one plant into many, plant sales/swaps, use a phone as a free light sensor, DIY fertiliser & more. Dig in.

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Top definite 0% card + £25: HSBC (check eligibility; existing customers use this link), 36mths 0%, 3.19% fee, 24.9% rep APR Ending 10am Thu. No-fee 0%: Barclaycard (check eligibility) 13mths 0%, 24.9% rep APR Best bank accounts Free £220: HSBC Ending 5pm Wed. Free £200 + top service: First Direct Broadband top picks Fast fibre (100Mb+): Vodafone '£19.09/mth' Superfast fibre (500Mb+): Vodafone '£22.59/mth' On Universal Credit or similar? Check all discounted social tariffs Insurance Car: Use our Compare+ Car Insurance tool Home: Use our Compare+ Home Insurance tool New. Travel: Use our Compare+ Travel Insurance tool Cheap loans £5,000 to £7,499: M&S Bank (check eligibility), 6.9% rep APR £7,500 to £15,000: M&S Bank (check eligibility), 5.9% rep APR Top savings accounts Top easy-access savings: Revolut 5% (min £1) + possible £25 Top easy-access ISA: Trading 212 4.51%, min £1 Ending? Top one-year fix: Marcus 4.9%, min £1 Top energy deals Use our whole-of-market Cheap Energy Club Cheap Sims Up to 3GB data: Lebara, '£2.37/mth' for 3GB 4GB to 9GB data: Lebara, '£2.39/mth' for 5GB 10GB to 30GB data: Lebara, '£2.43/mth' for 10GB 31GB+ data: Lebara, '£2.67/mth' for 35GB

 

 

MSE NEWS - Top story: Virgin Media fined £28m over 'dropping calls' and putting people on hold 'for no reason'

 

 

MONEY MORAL DILEMMA Should my partner who lives in my house contribute to my mortgage? My partner's lived with me in my house since 2018. She's never paid me any 'rent', saying it'd be paying off my mortgage, so she'd want a share of the home. Yet she owns a buy-to-let and uses that rent to pay her mortgage. When I look at the numbers, she's much better off and it feels unfair. We've a young son together and plan to marry, so we need to work this out. Enter the Money Moral Maze: Should my partner pay me rent? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

QUICK DEALS - Morrisons: £10 for two mains, two sides and a drink (normally up to £25) - Pizza Express: £12.50 for 90 minutes' unlimited pizza & dough balls - Asda: 5p off per litre of fuel when spending £40 in-store - Love to Visit: Extra 6% off Zip World, Ninja Warrior, Eden Project & more attractions - Northern Rail: FREE 'back to school' train tickets, 1,000 available so go quick

 

 

MSE TEAM BLOG - MSE Forum highlights: Canada, car boot sales & clearing out clothes

 

 

MARTIN'S APPEARANCES (WED 15 JUL ONWARDS) Tue 21 Jul - This Morning, ITV1, 10.20am

 

 

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